QBANK credit cards

QBANK
QBANK's overall rating for credit cards

(as rated by the Mozo community)

8.8 / 10

based on 16 reviews

QBANK, previously known as Queensland Police Credit Union, is a member owned financial institution, designed specifically to cater to the needs of the people keeping the sunshine state safe - ambos, firies, police and SES workers, to name a few. If that sounds like you, then check out the details below and snag yourself a competitive new credit card.

Rates and fees verified as correct at 16 November, 2018. Other information correct at the time of writing.

What credit cards do QBANK offer?

Low rate credit cards Low rate credit cards

Wave goodbye to high interest with this affordable, low rate credit card option from QBANK. With no annual fee either, this card is a perfect addition to the wallet of any budget-savvy shopper.

Product Purchase rate Balance transfer rate Annual fees Interest free days

11.99% p.a.

0% p.a. for 12 months and then 11.99% p.a.

$0

55


Hide

Low fee credit cards Low fee credit cards

A high annual fee will bump the cost of your credit card spending right up. Avoid the hip-pocket ache with a low fee option from QBANK.

Product Purchase rate Balance transfer rate Annual fees Interest free days

11.99% p.a.

0% p.a. for 12 months and then 11.99% p.a.

$0

55


Hide

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about QBANK credit cards

How does the interest free period on my QBANK credit card work?

One of the most effective ways to keep costs down when you use your QBANK credit card is to take full advantage of the 55 interest free days you’ll have to pay off balances. To do this, you’ll need to remember that the interest free period starts when your statement cycle does - usually at the beginning of the month. That means that if you make purchases later in the month, you’ll have less than 55 days to pay them off before that balance starts attracting interest. 

Keep in mind also that to maintain your interest free days, you need to be paying off your entire balance - not just the minimum payment - each month.

What fees might I be charged?

If you’re opting for a low rate credit card from QBANK, then the good news is you won’t pay an annual fee. But you will have a few other conditional fees to contend with, including:

 - Cash advance fee

 - Foreign exchange margin

 - Late payment fee

 - Duplicate statement fee

 - Transaction verification fee

What’s the minimum repayment amount I must make?

If you can, it’s a good idea to pay off your entire balance each month. That way, you’ll not only get to keep your interest free days for the next month, but it’s also a good way to avoid paying interest entirely.

However, if your budget’s a bit tight and you find yourself just making minimum payments each month, on your QBANK credit card this will be the greater amount of either $25 or 2% of your closing balance. If your entire balance is less than $25, you’ll pay the whole amount as a minimum.

Can I use my QBANK credit card for a balance transfer?

Although you can enquire with QBANK about a balance transfer, their credit cards aren’t really designed for that purpose.

Will my QBANK credit card work overseas?

Good news for all the lucky travellers out there! Your QBANK credit card will work anywhere in the world that VISA is accepted. But don’t forget that you’ll pay extra for foreign transactions on your credit card.

It’s also a good idea to let QBANK know you’re travelling before you head off - that way, your card won’t be blocked for suspicious activity when you start using it on Fijian beaches.

Your other options for spending while on the move are outlined in our travel money hub, so head over and find the one to suit you.

Can I use payWave with my QBANK credit card?

Add a little more convenience to your credit card spending by using contactless payment via payWave! PayWave is a VISA system, so you can use any contactless enabled VISA card to make payments this way, including your QBANK credit card.

How can I keep my QBANK credit card secure?

There are a few simple ways you can make sure your credit card use is as safe as possible, including:

 - Keep receipts for your purchases and check them against your credit card statement each month. Look for any unauthorised transactions and report them to QBANK immediately.

 - Destroy your old credit cards so they can’t fall into the wrong hands.

 - Sign your credit card as soon as you receive it. If you happen to lose your credit card while it's still blank, anyone could sign it and use it to make purchases.

 - Don’t write down secure information. PIN, card or member numbers shouldn’t be written down in case someone else finds them.

 - Be careful at the ATM. Look for signs of damage to the ATM as this could signify scammers working in the area. Also, keep an eye on your surroundings and keep your PIN hidden at all times.

Aside from this, you can rest easy knowing that QBANK monitor your card for fraudulent activity 24/7 using a fraud management service called ORION. This means that if any suspicious activity comes up on your credit card account, QBANK will contact you ASAP to have it verified. If it does turn out to be fraudulent, they can resolve the issue quickly, and you won’t be liable for any expense.

How are QBANK credit cards rated?

Mozo users have rated QBANK credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

QBANK credit cards

Overall 8.8

Price

Features

Customer service

Convenience

Trust

16 Reviews

Recent QBANK credit card reviews Recent QBANK credit card reviews

QBANK

QBANK credit card review

Overall rating   10 / 10

Very polite

Helpful.

Full review

Helpful.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Keith, Queensland, reviewed about 3 years ago

QBANK

QBANK credit card review

Overall rating   10 / 10

Exceptional banking service

QPCU have ATM withdrawals at any Westpac outlet, their interest rate is below most other banks and their services are easy to access and the staff will answer any question or help with any banking enquiry.

Full review

QPCU have ATM withdrawals at any Westpac outlet, their interest rate is below most other banks and their services are easy to access and the staff will answer any question or help with any banking enquiry.

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Mark, Queensland, reviewed over 3 years ago

QBANK

QBANK Bluey Card credit card review

Overall rating   9 / 10

Low cost credit card and service is helpful

They provide a low cost Bluey Credit Card ,the interest rate is one of the best available, its low cost and service is awesome.

Full review

They provide a low cost Bluey Credit Card ,the interest rate is one of the best available, its low cost and service is awesome.

    Price   8 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Roy, New South Wales, reviewed over 3 years ago

QBANK

QBANK credit card review

Overall rating   9 / 10

Great reward plan

A good practical rewards system, can you anywhere with eftpos.

Full review

A good practical rewards system, can you anywhere with eftpos.

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Ramona, Queensland, reviewed over 3 years ago

QBANK

QBANK credit card review

Overall rating   8 / 10

Absolutely awesome to be part of this family

Have banked for 27 years with QPCU, loans and credit, insurance, foreign currency and holidays, they have been trust worthy and solid, I have faith in their future, not unlike the big banks which are ALL about profit.

Full review

Have banked for 27 years with QPCU, loans and credit, insurance, foreign currency and holidays, they have been trust worthy and solid, I have faith in their future, not unlike the big banks which are ALL about profit.

    Price   9 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Mark, , reviewed over 4 years ago

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What do you need to apply for a QBANK credit card? What do you need to apply for a QBANK credit card?

QBANK credit card holders are an elite group - you have to be a member of QBANK before you apply. So to get your hands on one of these pieces of plastic, you’ll need to be employed by:

  • Local, state or federal government while living in Queensland
  • Queensland police service
  • Queensland ambulance service
  • Queensland fire and emergency service
  • Queensland corrective services
  • Australian federal police
  • Queensland police union
  • Queensland police credit union
  • Taxi Council of Queensland
  • Queensland police youth club

Or, you need to be, once have been or be related to a:

  • Member of a credit union affiliated with the Federation of Police Mutuals
  • Queensland taxi driver or subsidiary
  • SES volunteer,
  • Rural Fire Service volunteer
  • St John Ambulance officer
  • Surf Lifesaver

Read our guide for more information on applying for credit cards.

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